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How Does My Roof Affect My Home Insurance Premium?

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Why Does Your Roof Matter to Your Insurance Company?

Your home's roof protects it from rain, hail, snow, trees, and more; any leak or damaged shingle can expose your property to the elements, resulting in significant and expensive claims.

What Roof Factors Influence the Cost of My Home Insurance?

As the roof ages, its resistance to the weather diminishes. Your house insurance rate will increase as your roof ages. After ten years, most homeowners see their premiums increase.

Condition: Your roof's condition is crucial for safeguarding your property from the elements. Therefore, if your roof is well-maintained, your premium will be cheaper than if it has cracks and missing shingles.

Because harsher weather poses greater risks of causing damage to your roof and home, your location will for sure have the greatest impact on your premium. If you live on the coast, for example, you will pay more for your homeowner's insurance than someone who lives inland.

How Much Will A New Roof Reduce the Cost of My Homeowner's Insurance?

Depending on construction materials, location, and insurer, a new roof might reduce your homeowner's insurance cost by 5% to 35%. Most homeowners can anticipate a 20% increase in their homeowner's insurance premium after a roof replacement.

What Roof Requirements Do Homeowners Insurance Policies Have?

When acquiring a homeowner's insurance policy, the underwriter will require the date of the last roof replacement. Most home insurance providers will not insure a home with a roof older than forty years. Certain insurance companies may hold their renewal offer during the renewal process or refuse to renew the policy until the roof is replaced.

When Should My Roof Be Replaced?

Depending on the materials of your roof, you should replace it every 12 to 25 years. The asphalt shingles used by the majority of households should be replaced every 15 to 30 years. If you live near the shore, where hurricanes and tropical storms are common, or inland, where hail and wind are common, you may need to replace your roof before the 30-year mark.

A good homeowner rule is to evaluate your roof annually to catch small repairs before they become more extensive (and costly).

If you intend to replace your roof, speak with your insurance agent about any discounts your provider may give. Some provide incentives for the use of storm-resistant materials or the improvement of construction materials.

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